10 Simple Budgeting Tips for Beginners That Actually Work (2025)

Warren Buffett’s wisdom about making savings a top priority rings true. The 50/30/20 rule serves as a great starting point – allocate 50% to needs, 30% to wants, and 20% to savings.

You’ll be amazed to learn that the average person finds $332 in their first month when they start budgeting properly. This money was sitting there all along, waiting to be discovered.

Starting a budget feels like a mountain to climb for most people. The good news? It takes about three to four months to get comfortable with basic budgeting. The results make every effort worthwhile – smart budgeters slash their debt faster and reach their savings goals.

Warren Buffett’s wisdom about making savings a top priority rings true. The 50/30/20 rule serves as a great starting point – allocate 50% to needs, 30% to wants, and 20% to savings. Even if you’re just beginning to watch your spending, these beginner-friendly budgeting tips will put you in charge of your money. Let me share 10 proven strategies that will help you create a lasting budget in 2025.

Understand Your Current Spending

_{Image Source: Expensify}

Tracking your spending habits is the first step before creating a budget. Research shows that fewer than half of Americans maintain a budget ^[1], so understanding your financial patterns is vital from the start.

Tracking Methods for Beginners

The quickest way to track expenses is to pick a method that fits your lifestyle. A small notebook works well for hands-on learners who want to log transactions right away ^[2]. Personal finance apps that sync with your bank accounts are also great tools for up-to-the-minute expense tracking ^[3].

Some practical tracking approaches include:

• Saving receipts and using a spending tracker
• Recording expenses in a spreadsheet
• Using mobile apps that categorize transactions automatically
• Reviewing bank and credit card statements monthly

Analyzing Your Spending Patterns

Get into your fixed and variable expenses first. Fixed expenses usually include mortgage/rent, utilities, and insurance payments ^[4]. Variable costs like groceries, entertainment, and clothing give you more room to adjust ^[4].

Group your transactions into clear categories. Most banking apps sort purchases automatically into categories like ‘department store’ or ‘automotive’ ^[4]. Breaking down expenses into needs, wants, and savings helps paint a clearer financial picture ^[4].

Identifying Areas for Improvement

Look through several months of transactions to spot spending patterns and where you could cut back ^[2]. Keep an eye on:

• One-off purchases that affect your yearly spending
• Subscription services you might not fully use
• Seasonal expenses like holidays and vacations
• Regular small purchases that add up over time

Check your financial statements carefully to find any unusual or unexplained expenses ^[5]. Comparing your spending against important metrics helps you spot areas that need adjusting ^[5].

Note that regular reviews of your spending habits are essential. Monthly check-ins help you stay on track and let you adjust as your financial situation changes ^[6]. Regular monitoring and analysis will help you learn about your spending habits and make smarter financial decisions.

Set Realistic Financial Goals

_{Image Source: Azeus Convene}

Financial goals are the foundations of successful budgeting. Research shows that people who write down their financial goals are more likely to achieve them ^[7].

Short-term vs. Long-term Goals

Short-term goals typically span from six months to five years and cover objectives like building an emergency fund or planning a vacation ^[8]. In stark comparison to this, long-term goals extend beyond five years and include major milestones such as retirement planning or paying off a mortgage ^[8].

Beginners should start with short-term goals to build confidence and momentum. They can then focus on long-term aspirations while balancing immediate needs and future plans ^[7].

SMART Goal Setting

The SMART framework will give a clear path to achievable financial goals:

• Specific: Define clear objectives like saving $10,000 for a house down payment ^[9]
• Measurable: Break down goals into trackable milestones, such as saving $834 monthly ^[9]
• Achievable: Your goals should line up with your current financial situation
• Relevant: Connect goals to your personal values and life priorities
• Time-bound: Set specific deadlines to create urgency and motivation

Tracking Progress

You stay accountable and motivated by monitoring progress. These tracking methods work best:

1. Create separate savings accounts for different goals ^[10]
2. Set up automatic transfers to ensure consistent progress
3. Use digital banking features to monitor goal achievement ^[10]

Regular check-ins help you assess progress and make needed adjustments. Financial experts suggest reviewing goals at least once annually to adjust expectations and review priorities ^[7]. Life changes or moves in financial situations often signal the need for goal reassessment ^[7].

Small victories deserve celebration throughout your trip. Visual tracking methods, like progress charts or digital dashboards, help maintain focus on your objectives ^[8]. Note that financial goals evolve as your life circumstances change. Staying flexible while committed to your core objectives leads to long-term success.

Choose the Right Budgeting Method

_{Image Source: Penn Student Registration & Financial Services – University of …}

Your choice of budgeting method shapes your financial success. Research shows the right budgeting approach lines up with your lifestyle and helps you stay financially disciplined ^[11].

Different Budgeting Approaches

These proven budgeting methods each bring their own benefits:

• Zero-Based Budget: Assigns a specific purpose to every dollar. This works best if you have a detail-oriented personality and prefer complete tracking ^[12]
• 50/30/20 Method: Divides income into needs (50%), wants (30%), and savings (20%). This method gives structured flexibility ^[13]
• Pay-Yourself-First: Puts savings before other expenses. This approach suits people who focus on building wealth ^[14]
• Envelope System: Uses cash or digital envelopes for different spending categories. Visual learners and overspenders find this method helpful ^[14]

Finding Your Style

Several key factors help you pick the right method:

Start by reviewing your current financial status and priorities ^[15]. Think over how much time you can spend on budgeting. Some methods need frequent checks while others need minimal oversight ^[11].

Your comfort with technology matters too. Digital tools make tracking and categorization automatic, but traditional pen-and-paper methods work better for some people ^[11]. Writing transactions by hand helps people remember their financial information better ^[11].

When to Switch Methods

Watch for these signs that show you need a change:

1. Current method feels too restrictive or time-consuming
2. Financial goals remain unmet despite consistent effort
3. Life circumstances change substantially

Think of budgeting methods as flexible tools rather than rigid systems. Many experts say you don’t need to follow a specific system strictly. Just stay aware of your income, debts, and spending patterns ^[11].

Stay open to adjusting your approach during your financial trip. The best budget ended up becoming a natural part of your lifestyle. It supports rather than restricts your financial decisions ^[11].

Create a Simple Category System

_{Image Source: GOBankingRates}

A well-laid-out category system is the foundation of successful budgeting. Research shows that clear expense categories help you track spending and find ways to improve your finances.

Everything in Budget Categories

These budget categories cover:

• Housing: Your target should be 35% of take-home income ^[16]. This includes mortgage/rent, maintenance, and utilities
• Transportation: This should be 15% of income at most ^[16]. The amount covers vehicle payments, maintenance, and public transit
• Food: You should spend 10-15% of income ^[17] between groceries and dining
• Savings and Debt: Put 20% toward your financial goals ^[18]. This includes emergency funds and debt reduction
• Insurance: Set aside 10-25% of income ^[17] to cover health, auto, and property coverage

Subcategory Organization

Major categories work better when broken into subcategories that let you track precisely. To cite an instance, food splits between groceries and dining out ^[18]. Housing expenses also break down into mortgage/rent, utilities, maintenance, and property taxes ^[17].

Flexible vs. Fixed Expenses

The difference between fixed and flexible expenses is vital:

Fixed Expenses:

• Monthly costs stay the same, like mortgage payments and insurance premiums ^[4]
• These make up your budget’s largest part ^[4]
• You need big lifestyle changes to adjust these costs ^[19]

Flexible Expenses:

• Monthly changes happen with groceries, entertainment, and utilities ^[4]
• You have more control over spending ^[19]
• Daily decisions and willpower affect these expenses ^[4]

Your category system needs regular reviews and adjustments based on how you spend ^[18]. Track changing expenses for several months to set realistic budget targets ^[20]. Your categories should match your real spending habits rather than an ideal version ^[21].

Build in Buffer Room

_{Image Source: Self}

Life’s financial surprises just need a well-laid-out buffer in your budget. Studies show that more than half of Americans cannot cover an unexpected $1,000 bill from their savings ^[22]. So, building a buffer room becomes crucial to financial stability.

Planning for Unexpected Expenses

Your budget should adapt to changing income levels and unforeseen costs throughout the year ^[5]. Here’s how you can prepare:

• Create a starter emergency fund of $1,000 ^[23]
• Build towards 3-6 months of living expenses ^[24]
• Think about seasonal variations in expenses ^[25]

The difference between your emergency fund and budget buffer matters greatly. Your emergency fund tackles major unexpected costs, while a budget buffer handles smaller fluctuations in regular expenses ^[26].

Creating Flexible Categories

A three-tier buffer system provides detailed coverage:

First Buffer: Your monthly expense account should hold one month’s total expenses after paying bills ^[3]. This protects you against recurring charge fluctuations and delayed income.

Second Buffer: A standard savings account helps with larger infrequent expenses ^[3]. This covers times when multiple appliances fail or you need to pay insurance deductibles.

Third Buffer: A rainy day fund helps replenish other buffers during tough financial times ^[3].

Monthly Buffer Calculations

Your ideal buffer size depends on:

1. Calculate essential monthly expenses
2. Add 25% for variable costs ^[5]
3. Review past expenses monthly to adjust buffer targets ^[3]

Smart buffer management requires separate tracking of fixed and variable costs on your budget sheet ^[5]. Fixed costs stay the same each month, while variable expenses change based on usage and circumstances.

It’s worth mentioning that your buffer is a living part of your budget. Regular reviews help it line up with your changing life situations ^[27]. The key is to create a clear plan to replenish buffer funds quickly after using them ^[26]. Regular monitoring and adjustments turn your budget buffer into a reliable financial safety net.

Practice Mindful Spending

_{Image Source: ICICI Prudential Life Insurance}

“If you buy things you do not need, soon you will have to sell things you need.” — Warren Buffet, CEO of Berkshire Hathaway and renowned investor

Mindful spending turns budgeting from something restrictive into a lifestyle choice you can embrace. Research shows that 40-80% of purchases come from impulse buying ^[28]. This highlights why we need to make conscious decisions about our money.

Understanding Spending Triggers

Here’s what typically leads to unplanned purchases:

• Emotional States: Our spending decisions often come from stress, boredom, or happiness ^[29]
• Visual Appeal: We get drawn in by bright colors and attractive packaging ^[29]
• Social Influence: Our buying habits change based on peer pressure and celebrity endorsements ^[29]
• Sales and Discounts: We feel rushed by limited-time offers ^[29]

You’ll have better control over spending impulses once you spot these patterns. Studies tell us emotional spending might feel good now but often leads to money problems later ^[30].

Implementing the 24-Hour Rule

The 24-hour rule helps you fight off impulse purchases effectively. This cooling-off period lets your rational mind take over ^[2]. Here’s the process:

1. Wait 24 hours when you want something non-essential
2. Take time to see if the item fits your money goals
3. Ask yourself if you really need it or just want it right now
4. Think about the item’s value over time and how it fits your budget

This approach works best for expensive items. Don’t delay essential purchases or emergencies though ^[28].

Making Intentional Purchases

Ask yourself these key questions before buying anything:

• Why do I really want to buy this? ^[29]
• Does this purchase match my values and future goals? ^[6]
• How many hours would I need to work to pay for this? ^[1]

Delete shopping apps that let you buy with one click ^[1]. You should also unsubscribe from store emails that tempt you to spend ^[31]. Keep a “want list” and look at it again after waiting – you’ll notice that your desire to buy often disappears ^[32].

Mindful spending helps you build a better relationship with money. Each purchase becomes meaningful and purposeful on your financial path.

Use Digital Banking Features

_{Image Source: Doing More Today}

Modern banks give you powerful tools to manage your budget better. Their digital features make it easy to track expenses, save money automatically, and see your spending patterns live.

Bank Alerts and Notifications

Smart notifications act as your personal money guardian. Low-balance alerts help you avoid overdraft fees and stay within your budget ^[8]. Direct deposit alerts make sure you pay bills on time and put your money in the right places ^[8].

Key alerts to activate:

• Balance thresholds for checking and savings accounts
• Large purchase notifications
• Unusual account activity warnings
• Bill payment reminders
• Direct deposit confirmations

Account Management Tools

Your bank’s digital platform gives you a complete view of your expenses. Most banks have tools that categorize transactions automatically so you can see exactly where your money goes ^[33]. These features let you:

• See your account balances live
• Track recurring expenses
• Monitor subscription services
• See spending patterns by category
• Set spending limits for each category

Banks now include goal-setting features in their platforms. You can open special savings accounts for specific goals and watch your progress through built-in tracking tools ^[8].

Mobile Banking Tips

Here’s how to get the most from digital banking:

Start by taking time to explore your bank’s app features. Many people miss out on useful tools because they haven’t looked through all the options ^[33]. Set up automatic transfers for your regular expenses and savings goals ^[8].

Make your account secure by turning on two-factor authentication and fingerprint login ^[34]. You should also check your transactions often to catch any fraud or charges you didn’t make ^[35].

Most banks let you deposit checks through your phone for free, so you don’t need to visit a branch ^[8]. Using contactless payments through mobile wallets keeps your transactions secure and helps track your spending accurately ^[8].

Your bank needs your current contact details to send you important updates ^[36]. Digital banking tools work best when you customize them to fit your budget needs and money goals.

Start Debt Management

_{Image Source: Investopedia}

Your debt management success depends on a solid budget plan. Research shows a well-laid-out debt repayment strategy increases your chances of becoming debt-free by a lot ^[37].

Prioritizing Debt Payments

You’ll need these key details about each debt:

• Outstanding balances
• Monthly payment requirements
• Interest rates
• Payment due dates

These details help you figure out which debts need your attention right away. Secured debts like mortgages or auto loans should come first because you could lose your assets if you default ^[37]. Your next focus should be high-interest debts that eat away at your finances through interest charges.

Debt Snowball vs. Avalanche

Two methods work really well for getting rid of debt systematically:

Debt Snowball Method: You focus on the smallest balance first and keep making minimum payments on other debts ^[9]. After paying off one debt, you put that money toward the next smallest one. Quick wins make this approach great for staying motivated ^[38].

Debt Avalanche Method: You target your highest-interest debts first ^[9]. This method saves you more money in interest payments. The math works better this way, but you’ll need patience since bigger balances take longer to clear ^[38].

Creating a Debt Payoff Plan

Here’s how to build a strategy that works:

1. Put your debts in order based on your chosen method
2. Figure out how much extra money you can put toward debt
3. Set up automatic minimum payments for everything
4. Put any extra money toward your target debt
5. Keep track of your progress and make changes when needed

A debt consolidation loan might help if you’re overwhelmed with multiple payments. Personal loans often come with lower interest rates and could save you money while making payments simpler ^[37]. Balance transfer cards with 0% APR can also work well, but watch out for the 3-5% transfer fee ^[37].

Note that you must keep making minimum payments on all debts during your payoff trip. This keeps late fees away and protects your credit score ^[37]. The key is to redirect money from paid-off debts to your next target right away to keep your momentum going.

Plan for Success and Failure

_{Image Source: RMB Capital}

Your budgeting success depends on how well you prepare for wins and losses. Research shows that having a recovery plan substantially increases your chances of achieving financial sustainability ^[39].

Creating Backup Plans

A reliable backup strategy needs several layers of protection:

Primary Safety Net: Build a contingency fund that covers three to six months of living expenses ^[40]. This fund becomes your first defense against financial disruptions.

Secondary Protection: Build a flexible budget buffer to help with small spending changes ^[41]. You might want to save 25% of your monthly income for variable costs and unexpected expenses.

Automated Safeguards: Automatic transfers to dedicated savings accounts help you make steady progress toward your backup fund goals ^[10]. Keep separate accounts for different financial priorities.

Handling Budget Breaches

When budget setbacks happen:

1. Look through transaction records to find the root cause ^[41]
2. Figure out if the breach comes from:
   • One-time unexpected expenses
   • Unrealistic budget allocations
   • Lower income than predicted
   • Lifestyle choices beyond your means

Once you know the cause, start damage control by cutting all non-essential spending ^[41]. Then find ways to lower expenses or earn extra income while rebuilding your finances.

Getting Back on Track

Recovery needs a well-laid-out approach:

Start by looking at your current spending patterns to spot areas you can adjust right away ^[10]. You might want to try a “no-spend challenge” that focuses on essential purchases only ^[41].

To recover the right way:

• Look over and adjust automatic payments
• Update budget categories based on real spending patterns
• Set realistic timelines for your financial goals
• Make temporary lifestyle changes

Remember that setbacks are learning opportunities, not failures. Studies show that households who can adjust their spending often bounce back better financially ^[42]. Your budget grows stronger with each challenge when you keep track and make smart adjustments.

Make It a Lifestyle

_{Image Source: Investopedia}

“You must gain control over your money or the lack of it will forever control you.” — Unknown, Anonymous financial wisdom

Making budgeting a sustainable lifestyle needs steady dedication and the right mindset. Research shows that households with 5-year old financial routines show greater resilience in managing their money ^[43].

Building Long-term Habits

Lasting financial habits start with your core motivations. Your financial “why” shapes the foundations of your money management trip ^[43]. Simple visual reminders of your goals around your home help you stay focused on what matters long-term.

To build solid budgeting habits:

• Set up automatic drafts for recurring expenses
• Review transactions daily to stay aware
• Create sinking funds for planned large purchases
• Schedule regular budget check-ins

Working with Family Members

Family budgeting deepens household bonds through open communication and teamwork ^[44]. Children learn best from age-appropriate money talks that build financial literacy ^[44]. Your family members should share ideas to save money, which makes budgeting a group effort ^[45].

To get your family involved:

1. Hold monthly family budget meetings
2. Discuss shared financial goals openly
3. Teach children about responsible spending
4. Celebrate collective financial achievements

Staying Motivated

Studies show motivation naturally goes up and down, so you need strong support systems ^[46]. People with good money habits will help reinforce your positive choices ^[43]. On top of that, tracking progress and celebrating milestones keeps your long-term commitment strong ^[46].

Smart ways to stay motivated:

• Take a few minutes daily to review your budget ^[46]
• Find better stress relief than spending money ^[43]
• Break big financial goals into smaller targets ^[43]
• Stay flexible while committed to core goals ^[46]

Note that setbacks are normal – be kind to yourself ^[43]. Your environment should support your dedication to financial health ^[47]. Patience and practice will turn budgeting from a challenge into a natural daily habit.

Comparison

Budgeting Tip	Main Focus	Tools/Methods	Implementation Time	Success Metrics	Common Challenges
Understand Your Current Spending	Track spending habits	Receipts, spreadsheets, mobile apps, bank statements	Monthly reviews	Clear expense categories	Less than 50% of Americans track their budget
Set Realistic Financial Goals	Build achievable money targets	SMART framework, separate savings accounts	Yearly reviews work best	Written goals boost success rates	Short-term vs long-term balance
Pick a Budgeting Style That Fits	Match your personality to method	Zero-Based, 50/30/20, Pay-Yourself-First, Envelope System	Depends on method	Natural feel without restrictions	Time needs vary by approach
Simple Category Organization	Group expenses smartly	Fixed vs Flexible categories	Monthly checks	Housing 35%, Transport 15%, Food 10-15%, Savings 20%	Handling changing expenses
Leave Room for Surprises	Plan for unexpected costs	Three-tier buffer system	Monthly math	Ready for $1,000 surprises	Half of Americans can’t cover a sudden $1,000 expense
Smart Spending Habits	Cut down impulse buys	24-hour rule	24-hour decision window	40-80% less impulse shopping	Emotional buying triggers
Smart Banking Tools	Streamline money management	Alerts, notifications, mobile apps	Quick setup	Live tracking and sorting	Learning new tools
Tackle Debt Smart	Methodical debt reduction	Snowball or Avalanche method	Regular payments	Steady debt decrease	Multiple payment timing
Ready for Ups and Downs	Build financial safety nets	Main and backup plans	3-6 month safety fund	Bounce back from setbacks	Flexible spending habits
Make It Your Routine	Green money habits	Budget meetings, automatic payments	Daily/Monthly checks	Strong money routines	Staying motivated long-term

My Budgeting Journey

When I to begin with begun budgeting, it felt overwhelming like climbing a mountain with no outline. But Warren Buffett’s counsel stuck with me: “Pay yourself first.” I started utilizing the 50/30/20 run the show, distributing 50% to needs, 30% to needs, and 20% to investment funds. Following my investing uncovered stunning truths, like unused memberships costing me $150 a month.

I grasped careful investing, receiving the 24-hour run the show for non-essential buys. Computerized keeping money apparatuses got to be my partner, with alarms keeping me on track. Inside months, I found $332 covered up in my budget and built a starter crisis finance. Little changes included up, giving me certainty and control.

Budgeting isn’t restrictive it’s engaging. Begin little, remain reliable, and observe your monetary future change.

To bring things to a close

A solid budget needs smart planning and steady work to succeed. These ten practical budgeting tips create a strong base to reach your money goals. The first step is to understand your spending patterns and set targets you can actually hit.

Managing money becomes simpler with the right budgeting approach. Clear expense groups and emergency funds help you stay on track. Digital apps make expense tracking easier, and thoughtful spending keeps unnecessary purchases in check. Good debt management and backup plans will secure your financial future.

Note that your budget won’t perfect itself overnight. Small steps add up to most important changes as time passes. My clients who follow their budgets usually find extra cash within a month. They build stronger money habits in just 3-4 months.

Your budget-smart lifestyle grows stronger as you explore the latest money tools and trends through Zyntra | Trend Nova World | News | Tech | Free Tools. These practical tips work best when you adapt them to fit your life. Your financial health will improve steadily as you stick to the plan.

FAQs

Q1. What is the 70-10-10-10 budget rule and how does it work? The 70-10-10-10 budget rule suggests allocating your income as follows: 70% for spending, 10% for saving, 10% for investing, and 10% for sharing or charitable giving. This method emphasizes “paying yourself first” by setting aside 30% of your earnings for your future financial well-being before spending on current needs and wants.

Q2. Which budgeting method is considered the simplest to implement? The zero-based budget is often regarded as one of the simplest budgeting methods. In this approach, you assign every dollar of your income to a specific expense category, aiming for a balance of zero at the end. This method helps you plan for all upcoming expenses and ensures that every dollar has a purpose.

Q3. What are three easy steps to start creating a personal budget? To begin budgeting, start with these three simple steps: 1) Make a list of all your monthly bills and expenses, 2) Calculate your total monthly income using pay stubs, and 3) Subtract your monthly expenses from your income to determine your financial standing and areas for adjustment.

Q4. What are the five fundamental elements of a basic budget? The five basic elements of any budget are: 1) Income – all money coming in, 2) Fixed Expenses – regular, unchanging costs, 3) Debt – money owed and repayment plans, 4) Flexible and Unplanned Expenses – variable costs and unexpected spending, and 5) Savings – money set aside for future goals or emergencies.

Q5. How can digital banking features enhance budgeting efforts? Digital banking features can significantly improve budgeting by offering real-time account balance updates, automatic transaction categorization, and customizable alerts for low balances or unusual activity. These tools allow for easier expense tracking, help maintain budget targets, and provide insights into spending patterns, making financial management more efficient and accurate.

References

[1] – https://www.usbank.com/financialiq/manage-your-household/personal-finance/how-to-practice-mindful-spending.html
[2] – https://the-broken-wallet.com/pro-tips-for-saving-money-using-the-24-hour-rule/
[3] – https://ultrathriving.com/articles/how-to-use-buffers-instead-of-detailed-budgeting/
[4] – https://smartasset.com/financial-advisor/fixed-expenses
[5] – https://www.netsuite.com/portal/resource/articles/financial-management/flexible-budget.shtml
[6] – https://www.ellevest.com/magazine/budget-and-planning/spending-core-values
[7] – https://www.usbank.com/wealth-management/financial-perspectives/financial-planning/how-to-set-financial-goals.html
[8] – https://www.members1st.org/blog/articles/tips-for-budgeting-with-digital-banking/
[9] – https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/
[10] – https://www.morganstanley.com/atwork/employees/learning-center/articles/get-back-on-track-with-your-budget
[11] – https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system
[12] – http://www.usbank.com/financialiq/manage-your-household/life-events/graduating-from-college/budgeting-strategies-to-consider.html
[13] – https://www.ally.com/stories/budget/whats-your-budgeting-style-take-our-quiz/
[14] – https://www.southlandcu.org/scu-news/2022/april/budgeting-personality-quiz/
[15] – https://www.macu.com/must-reads/budgeting/how-to-choose-a-personal-budgeting-method-fined
[16] – https://www.thebalancemoney.com/try-the-simple-5-category-budget-453622
[17] – https://www.quicken.com/blog/budget-categories/
[18] – https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget
[19] – https://familybudgetexpert.com/budget-categories/
[20] – https://www.metlife.com/stories/personal-finance/fixed-vs-variable-costs/
[21] – https://www.iwillteachyoutoberich.com/budget-categories/
[22] – https://oer.pressbooks.pub/utsaccounting1/chapter/creating-a-flexible-budget/
[23] – https://www.ramseysolutions.com/saving/how-to-budget-for-unexpected-expenses?srsltid=AfmBOopffJq-qbXbgk716mU8M8qX1l6ZrAPODu1z7mPBHdiApc3FdpTI
[24] – https://www.practicalmoneyskills.com/en/learn/life_events/handling_the_unexpected/planning_for_the_unexpected.html
[25] – https://www.prophix.com/blog/flexible-budget-everything-you-need-to-know/
[26] – https://www.experian.com/blogs/ask-experian/how-to-build-budget-buffer/
[27] – https://aspirefinehomes.com/how-to-create-a-financial-cushion-for-unexpected-expenses/
[28] – https://www.metrobank.com.ph/articles/learn/how-to-avoid-buyers-remorse
[29] – https://www.chase.com/personal/banking/education/budgeting-saving/impulse-buy
[30] – https://www.takechargeamerica.org/5-overspending-triggers-and-how-to-beat-them/
[31] – https://www.howtomoney.com/mindful-spending/
[32] – https://andreadekker.com/the-saving-power-of-waiting-24-hours/
[33] – https://www.practicalmoneyskills.org/en/learn/budgeting/digital-budgeting.html
[34] – https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/spending-budgeting/
[35] – https://www.bankofamerica.com/onlinebanking/online-banking-alerts.go
[36] – https://www.synovus.com/personal/resource-center/managing-your-finances/how-to-use-banking-alerts-to-manage-money-and-prevent-fraud
[37] – https://www.experian.com/blogs/ask-experian/how-to-set-up-debt-repayment-plan/
[38] – https://www.experian.com/blogs/ask-experian/avalanche-vs-snowball-which-repayment-strategy-is-best/
[39] – https://www.gfoa.org/recovery-plan-activities
[40] – https://www.synovus.com/personal/resource-center/managing-your-finances/how-to-prepare-for-a-financial-setback
[41] – https://www.experian.com/blogs/ask-experian/how-to-get-back-on-track-after-blowing-your-budget/
[42] – https://www.sensiblefinancial.com/should-you-have-a-backup-budget-part-2/
[43] – https://www.ramseysolutions.com/budgeting/how-to-stay-motivated-with-your-budget?srsltid=AfmBOoqNjlAe0-vPG65m39h5qbD7qdnBTqUJtnMHrnIJPkwp_vifg6jR
[44] – https://www.guardianlife.com/family-budgeting
[45] – https://workmoney.org/money-tips/budget-101/family/10-budgeting-tips-for-families
[46] – https://www.boh.com/blog/tips-on-how-to-actually-stick-to-your-budget
[47] – https://enrichest.com/en/blog/finding-motivation-and-discipline-in-budgeting-tips-and-tricks